I'm considering putting some money into a ROTH IRA for the 2003 tax year. We are married, file jointly and in our 20's. Our gross income is roughly $156,000.

How much can I contribute? Everything I have read says $3,000 but that it starts to phase out between $150,000 and $160,000. Well that's me -so I'm challenged to find the max I can contribute. Also -- is that the max per person or per married couple?

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